Istikharoh, M., Y. Fitriyani, and P. Purwanto. “Implementation of Multi-Service Ijarah Financing in Islamic Microfinance Institutions: SWOT Analysis”. JPS (Jurnal Perbankan Syariah), Vol. 6, no. 1, Apr. 2025, pp. 100-14, doi:10.46367/jps.v6i1.2360.